How are all our furriest friends spending their summers? They’re making splashes in the pool, chomping down on yogurt-berry pupsicles, and showing off their most festive 4th of July outfits! Thank you to all our readers for sharing your pups’ photos with us. We’re showing them off on our Dogster social media pages – check out our #dogsterdogs in action! This summer, I’m working with my pups on their comfort levels near the water. We’re making progress! Emmy and I are graduating this weekend from the pool and are going on a little paddle boarding adventure to the lake by our house. Emmy has always hated getting wet, so she’s come a long way.
Something to think about this month: How will you keep your dogs calm during 4th of July fireworks? Many dogs get anxious and fearful of the loud, unpredictable noises. Here are some tips on calming your dog, which will make your celebration a happier one, too. Wishing all our puppy pals a happy 4th of July!
Planning to attend any dog events near you? Send us pictures of your pup to be featured on our social media pages.
A small dog with an American flag. Photography by Photohunter / Shutterstock.
July 2023 monthly dog holidays
Lost Pet Prevention month
National Pet Hydration Awareness month
July 2023 dog holidays
July 1: ID Your Pet day
July 4: International Whippet day
July 11: All American Pet Photo day
July 15: National Pet Fire Safety day
July 21: World Collie day
July 21: National Craft for Your Local Shelters day
July 31: National Mutt day
July 2023 dog events
July 8, 2023: If you’re in the Los Angeles area, head to Pawlympics from 4 to 7 p.m. at South Park Doggie – Doggieland for a series of competitive games and activities for dogs.
July 9, 2023: The11th annual PAWmicon, a Pop-culture themed festival held by Helen Woodward Animal Center to celebrate the superheroes of real life who adopt orphan animals. PAWmicon, located at AleSmith Brewing Company in San Diego, Calif., will feature events, such as the PAWsplay contest for contestants to dress themselves and their pooches up as their favorite pop culture characters. There’s also a trivia competition, music, animal artists, games for the kids and craft beer.
July 12, 2023: Marin Humane is hosting its next drop-in community clinic for pet parents in need at Pell Plaza in Novato. Bring your pet to the mobile clinic at 500 Redwood Blvd., from 11:00 a.m. – 1:00 p.m. to get: free vaccinations (DA2PP, FVRCP, rabies), free microchipping, free flea/tick treatment, free mini-check-up by a veterinarian and pet food and supplies!
July 14-16, 2023: Del Monte Kennel Club Dog Show. Held at 4380 Carmel Valley Rd, Carmel-By-The-Sea, Calif., 93923. All breed entry for Conformation, Obedience and Rally.
July 14-18, 2023: One of the largest American Veterinary Association events of the year, the AVMA Convention 2023 will be held in Denver, Colo. for veterinary professionals to experience 600 hours of high-quality CE, highly rated special events, innovative solutions and networking opportunities.
July 19-23, 2023:Houston World Series of Dog Shows. Throughout the five-day event, the show offers an extensive shopping venue, numerous seminars, entertainment exhibitions and obedience/companion events. During the Meet the Breeds event, the public can get hands-on experience with more than 110 purebred dog breeds and discuss care, personality traits and temperaments with breed experts.
July 19-21, 2023: The Association of Service Dog Providers for Military Veterans Partner Members invite all to attend the annual National Service Dogs for Veterans Conference in Washington, D.C. The annual conference consists of two full days of formatting for administrative, veterans, mental health and dog training tracks and a half day roundtable training session. Tickets include breakfast for all three days, lunch for two days and an opening night reception.
July 22 – 23, 2023: Join more than 50 of the top pet influencers from all over the US and Canada, such as Crusoe the Dachshund, Tika the Iggy, and Jonathan Graziano for PetCon 2023, held in Chicago. There will be meet and greets, a pet adoption garden, a shoppable marketplace featuring small businesses, speaker sessions, a non-profit showcase and lots of fun activities!
Many businesses and consumers are locked into low-cost debt, insulating the economy from rate hikes, BofA says.
The economy will slow “meaningfully” when rate hikes are ultimately felt, but it won’t bring a recession.
Stocks can still do well as rates rise and interest rates still aren’t that high relative to history, BofA notes.
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The Federal Reserve has briskly raised interest rates to rein in red-hot inflation brought on during the pandemic, and investors have been on edge trying to assess the impact of the central bank’s efforts.
But through it all, GDP numbers have come in hot, consumer spending has been strong, and the job market is showing few signs of weakening.
For those who are confused about why the economy has been able to weather the swiftest rate hikes in 40 years, Bank of America analysts say it’s due to the long period of abnormally low-interest rates following the Great Recession that only ended in March 2022 when the Fed embarked on its inflation fight.
That’s also why the outlook for equities isn’t as ominous as many forecasters say — rates may feel high, but they’re still pretty tame relative to history.
“A key reason for resilience is the relatively slow transmission of interest rate increases to the real economy, as a large share of households and businesses have locked in low borrowing costs and don’t yet need to roll over their debt,” analysts Aditya Bhave and Mark Cabana wrote in a note published Wednesday.
The Fed kept rates near zero following the 2008 crisis in order to stimulate economic activity. Both households and corporations got used to ultra-low-cost debt, making the current run-up in rates feel more painful.
But many borrowers are still locked into loans they signed when interest rates were low, so they haven’t had to take on those higher costs yet.
While the impact of higher rates has yet to be felt fully, the BofA analysts say it won’t spark a recession when it does hit.
“Looking ahead, we expect the economy to slow meaningfully in the coming quarters as higher front-end and long-end rates take their toll on credit conditions. However, we think there is enough momentum in the economy to avoid an outright recession.” they said.
It’s a similar story for the stock market, which has been pressured by rising interest rates since the Fed began hiking borrowing costs.
But again, the abnormally low-rate period prior to 2022 is a reason why the outlook for the stock market isn’t all that bad. While the spike in rates is expected to ripple through the economy and weigh on corporate profitability, BofA analysts say there are important “nuances to consider.”
“Rates are not excessively high, they just feel high relative to a decade of ZIRP (zero interest rate policy),” the analysts wrote. “Zero was too accommodative in 2021, and 5% is closer to average rather than ultra-high.”
So while investors may be fretting over how and when rate hikes could impact the market, the period of rising interest rates since March 2022 is more of a return to normalcy.
The frenetic bond market has also been a concern for investors as Treasury yields have been rising on expectations of tight Fed policy. That’s because when bond yields rise, they give investors an attractive way to get solid, nearly risk-free returns relative to equities.
But when accounting for inflation, real yields haven’t risen enough to truly dent the stock market’s competitive edge, the analysts argue.
“10yr [Treasury] real yields today of 2% to 3% based on break-evens are below average and not particularly competitive with equity returns,” they said. “Our valuation framework suggests price returns of 6%, or ~8% total returns per annum over the next 10 years.”
There are many variations of canine tumors and not all are created equal. Some tumors are less problematic for dogs, while others risk spreading throughout the body. Understanding common types of tumors, how they present and are treated, and symptoms to watch for, is essential in early treatment and intervention.
Two main types of dog tumors
Tumors are characterized as either benign or malignant:
Benign tumors are noncancerous tumors that will not spread throughout the body.
Malignant tumors are cancerous and have the ability to spread cancer throughout your dog’s body. Early intervention is a key component to treatment and recovery.
Lipoma.Benign, fatty tumors that tend to be soft and mobile (not attached to your dog’s body wall) and range in size.
Mast cell tumor (MCT). Malignant tumors that often look like warts or bug bites and can change in size. MCTs are most commonly seen in Boxers, Boston Terriers, Bull Terriers, and Pugs.
Papilloma.Wart-like, viral tumors that typically appear in or around a dog’s mouth. Papillomas are benign but contagious between dogs and are typically characterized as whitish masses with cauliflower texture.
Histiocytoma. A fast growing, benign tumor typically found in young dogs. These tumors are known for infection and ulceration, however tend to resolve on their own with time.
Hemangiosarcoma. A highly malignant tumor stemming from blood vessels. This tumor often affects the liver, skin and spleen and commonly impacts senior pups.
Osteosarcoma. Malignant tumor of the bones, osteosarcoma causes significant pain, often affecting a forelimb.
Melanoma. Malignant tumors often found in the oral cavity of dogs and can be very aggressive. There is now a melanoma vaccine available to dogs diagnosed with this tumor!
Sebaceous gland tumor. Raised nodules that originate from sebaceous glands. In rare cases, sebaceous cysts become malignant. Remember that no tumor should go unmonitored or forgotten!
Symptoms
Dog tumor symptoms will vary greatly depending on many factors and may include:
Visualizing a lump or bump
Limping
Pain
Low appetite
Difficulty eating
Vomiting or diarrhea
Coughing
Weight loss
If your dog shows any of these symptoms, visit your veterinarian.
Diagnosis
The most common ways to diagnose dog tumors include:
Fine needle aspirate (FNA). A fine needle aspirate (FNA) involves collecting samples of cells from your dog’s tumor using a needle and syringe and viewing these cells microscopically.
A biopsy involves collecting and submitting a small amount of the tumor for pathology review. A biopsy reveals detailed information about the tumor and can help to stage malignant tumors.
Your veterinarian may recommend additional testing such as radiographs, abdominal ultrasound or a lymph node biopsy.
Benign tumors should remain closely monitored by you and your veterinary team. If changes occur in size, shape or consistency, have them reassessed. Regular exams by your veterinarian are key in finding tumors less visible to the naked eye.
Early detection of malignant tumors often happens at home. Regularly massaging your dog can help you keep tabs on current and new tumors. Monitor changes in your dog’s everyday behavior and listen to your gut. You are your dog’s biggest medical advocate!
English practice Delve Architects has used joyful colours and natural, tactile materials to outfit a newly established kindergarten by the River Thames in east London that can be accessed via boat.
The Nest daycare centre is part of a wider housing development in the Royal Wharf area, occupying a commercial unit at the base of a 19-storey housing block.
The Nest nursery was designed by Delve Architects
As a result, the primary challenge was to bring the towering newbuild space down to child scale and make it feel more homely while forging a greater connection to the riverfront.
“We wanted to create a calm, nurturing but playful space that reflected the values of the nursery,” Delve Architects co-founder Alex Raher told Dezeen.
“Their ethos is for children to have a positive learning experience through a healthy relationship with the environment around them and a connection to the outdoors.”
The studio used timber arches to define the space and envelop the new staircase
To boost the internal floor are, the studio installed a new mezzanine with a bespoke, powder-coated metal staircase that rises through a double-height space defined by a series of arched timber fins.
These maple-veneered arches – each around 4.5 metres tall – were conceived by Delve Architects to subdivide the space, creating zones without physical barriers.
The timber fins taper off into low benches for the children
“We wanted to connect the spaces visually and physically between the mezzanine and lower level, and to soften the hardened edges of the space,” said Raher.
The arches are formed from a series of fins that merge into benches and individual seating as they approach the ground.
The stairs lead up to a new mezzanine level
“The grand scale of the arches for a small child could feel overwhelming, so we brought this down into child-height seating, benches and joinery to play with the scale and make it more familiar to them,” said Raher.
“The material flows seamlessly between the two levels and creates a natural material palette that the children could recognise and read through different heights and spaces.”
The arches also span over the main staircase, where Raher says they suggest a canopy of trees.
“We wanted it to be a centrepiece that was exciting, functional and exploratory, almost like a meandering joinery up to a treehouse-style level on the mezzanine, through a network of arches and branches on the way,” the architect explained.
“One of the first concepts we explored was the treehouse idea, developing ideas around the nursery name The Nest and how we could bring a playful part of nature into the design.”
Given its inner-city location, the nursery is fortunate to have a large garden overlooking the riverfront, which is connected to the nursery via a double set of six bi-folding doors.
The upper level is finished almost entirely in baby pink
The external fencing was designed by Delve Architects “to merge with the rhythm of the existing tower’s balconies” and powder-coated in a matching colour.
“We wanted to celebrate the connection to the outside space, the riverfront location and the child-height views from the mezzanine to the water, as it was unique to the space and to the nursery setting,” said Raher.
“Children can arrive and parents can commute using the river boat directly outside the nursery. The new pier designed by Nex Architecture is a beautiful backdrop to the site.”
The mezzanine houses cosy play areas
To cope with the demands of a nursery setting, materials and finishes are resilient as well as being natural and tactile. Among them is recycled and recyclable Marmoleum flooring, maple-veneered joinery and low VOC paint.
A colour palette of soft muted shades helps to create a homely atmosphere inside The Nest.
“This palette works better than bolder primary colours, as these create too much visual noise for younger children,” Raher said.
The Nest’s garden overlooks the riverfront
A panel of dark teal blue creates a datum line around the walls, designed to be “resilient to little fingers” while making the tall spaces feel more relatable to children.
“We always try to design from a child’s perspective, putting ourselves at that level, quite literally in some cases,” Raher said.
The soft blue of the flooring gels with the tones of the pale maple veneer and the matt pink that wraps around the ceiling and upper walls, covering almost the entire mezzanine.
It can be accessed via river boat
“It both draws your eye upwards but also manages to change the scale of the space,” said Raher. “In some areas there is a five-metre ceiling height, so we wanted to break this up visually.”
“The services for heating, cooling and ventilation were also left exposed, giving a little insight for children to explore and imagine what they could be – a network of intriguing forms and geometry running through the nursery.”
Our experts answer readers’ banking questions and write unbiased product reviews (here’s how we assess banking products). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.
Early withdrawal penalties are as follows: 90 days interest for terms of 24 months or less, 180 days interest for terms of more than 24 months
Interest compounds daily to maximize earnings
FDIC insured
A 5-year CD may be ideal if you don’t need access to some of your savings for a few years. If you’re also interested in other CD term lengths, check out our overall best CD rates guide.
We check rates daily to find the best rates for 5-year terms Here are our top picks for 5-year CDs.
Best 5-Year CD Rates
These are our picks for the best 5-year CD rates. Our top picks for CDs are protected by FDIC or NCUA insurance. Although Silicon Valley Bank, Signature Bank, and First Republic Bank have recently been shut down, keep in mind money is safe at a federally insured financial institution. When a financial institution is federally insured, up to $250,000 per depositor is secure in a bank account.
Compare the Best 5-Year CDs
MYSB Direct 5 Year CD
Insider’s Rating
3.5/5
Annual Percentage Yield (APY)
4.90%
Minimum Deposit Amount
$500
Pros
High interest rate
$500 minimum opening deposit
Low early withdrawal penalties
Cons
Interest compounded monthly, not daily
Product Details
NY-based financial institution that serves customers nationwide
Terms range from 6 months to 5 years
Early withdrawal penalty is 90 days of interest
Interest compounded and deposited monthly
FDIC insured
United States Senate Federal Credit Union 5 Year Smart Share Certificate
United States Senate Federal Credit Union, NCUA Insured
Insider’s Rating
3.5/5
Annual Percentage Yield (APY)
4.86%
Minimum Deposit Amount
$1,000
Pros
High interest rate
Standard early withdrawal penalties
Cons
$1,000 minimum opening deposit
Product Details
Locations in Alexandria, Virginia and Washington, DC
To join USSFCU, you must work for a Select Employee Group; have a family member that’s a current member; become a member of the U.S. Capital Historical Society or the American Consumer Council
All members have to pay a one-time $1 membership fee
Early withdrawal penalties: 90 days of interest for terms of 1 year or less; 120 days of interest for terms greater than 2 years and up to 3 years; 360 days of interest for terms greater than 3 years
Earn higher interest rates with a higher account balance (Tiers: $100,000 and $200,000)
Interest compounded and deposited monthly
Federally insured by the NCUA
First National Bank of America 5 Year CD
Insider’s Rating
4/5
Annual Percentage Yield (APY)
4.75%
Minimum Deposit Amount
$1,000
Pros
Competitive APY
Term lengths up to 84 months
Cons
$1,000 opening deposit
High early withdrawal penalties
No term lengths under 12 months
Product Details
3 branches in Michigan: East Lansing, Grand Rapids, and Traverse City
You can open CDs in a branch; if you don’t live in Michigan, you can open CDs online
Term lengths ranging from 12 to 84 months
180 days interest for terms of 12-23 months, 360 days interest for terms of 24-47 months, 540 days interest for terms of 48 to 84 months
On Bread Savings’ website. Bread Savings, FDIC Insured.
Insider’s Rating
3.5/5
Annual Percentage Yield (APY)
4.75%
Minimum Deposit Amount
$1,500
Pros
Competitive APY
Standard early withdrawal penalties
Cons
$1,500 minimum opening deposit
Limited term options
Product Details
CD terms range from 1 year to 5 years
Early withdrawal penalty: 180 days simple interest for terms between 1 year and 3 years; 365 days simple interest for terms between 4 years and 5 years
Interest compounded daily, paid monthly
FDIC Insured
Popular Direct 5 Year CD
Insider’s Rating
3.5/5
Annual Percentage Yield (APY)
4.65%
Minimum Deposit Amount
$10,000
Pros
Competitive rates for certain term lengths
Compounds interest daily
Cons
$10,000 minimum deposit
Standard-to-high early withdrawal penalties
Product Details
Terms ranging from 3 months to 5 years
Early withdrawal penalties: 89 days simple interest for terms under 91 days; 120 days simple interest for terms of 91 days to less than 12 months; 270 days simple interest for terms of 12 months to less than 36 months; 365 days simple interest for terms of 36 months to less than 60 months; 730 days simple interest for terms of 60 months or more
Interest compounded daily, paid monthly
FDIC insured
Crescent Bank 5 Year CD
Insider’s Rating
4/5
Annual Percentage Yield (APY)
4.60%
Minimum Deposit Amount
$1,000
Pros
High interest rate
Standard CD terms
Standard early withdrawal penalties
Cons
$1,000 minimum opening deposit
Product Details
3 branches in Louisiana
Terms range from 12 months to 5 years
Early withdrawal penalties: 90 days interest for a 1-year CD term; 180 days interest for all other CD terms
Interest compounded and deposited monthly
Member FDIC
Quorum Federal Credit Union 5 Year Term Savings
Insider’s Rating
4.25/5
Annual Percentage Yield (APY)
4.50% (on balances of $1,000 – $99,999) to 4.60% (on balances of $100,000 or more)
Minimum Deposit Amount
$1,000
Pros
Competitive interest rate on select CD terms
Standard-to-low early withdrawal penalties
Standard CD terms
Cons
$1,000 minimum opening deposit
Interest compounded monthly, not daily
Product Details
Online credit union with 1 location in NY
Terms range from 3 months to 5 years
To become a member, you or a family must work at a Select Employee Group OR you must join the American Consumer Council or Select Savers Club
Earn an additional 0.10% APY on account balances over $100,000
Early withdrawal penalties: 1% of the amount withdrawn for terms between 2 months and 11 months; 2% of the amount withdrawn for terms between 1 year and 2 years; 3% of the amount withdrawn for terms over 25 months
Interest compounded and deposited monthly
NCUA insured
First Internet Bank of Indiana 5 Year CD
Insider’s Rating
4/5
Annual Percentage Yield (APY)
4.59%
Minimum Deposit Amount
$1,000
Pros
Competitive APY
Standard early withdrawal penalties
Cons
$1,000 opening deposit
Interest is compounded monthly, not daily
Product Details
Terms ranging from 3 months to 5 years
90 days interest early withdrawal penalty for 3-month term; 180 days interest for 6-18 month term; 365 days interest for 24-60 month term
Interest is compounded monthly and paid monthly
Member FDIC
Barclays 5 Year Online CD
Insider’s Rating
4/5
Annual Percentage Yield (APY)
4.50%
Minimum Deposit Amount
$0
Pros
No minimum deposit
High interest rate
Low-to-standard early withdrawal penalties
Cons
Low mobile app ratings in the Apple store
Product Details
Terms range from 3 months to 5 years
Early withdrawal penalties are as follows: 90 days interest for terms of 24 months or less, 180 days interest for terms of more than 24 months
Interest compounds daily to maximize earnings
FDIC insured
BMO Alto 5 Year High Yield CD
Insider’s Rating
3.5/5
Annual Percentage Yield (APY)
4.50%
Minimum Deposit Amount
$0
Pros
Low minimum opening deposit
High interest rates
Standard-to-low early withdrawal penalties
Cons
Limited term lengths
Cannot go to BMO branches for support
No mobile app
Product Details
BMO Alto is an online-only division of BMO
Terms range from 6 months to 60 months
Early withdrawal penalties: For terms of 11 months or less, the penalty is 90 days of interest; For terms of 1 year or more, the penalty is 180 days of interest
Interest is compounded daily and deposited monthly
FDIC insured
5-Year CD FAQs
The highest 5-year CD rate is 4.90% APY at MYSB Direct.
A 5-year CD is worthwhile if you’re saving for a 5-year goal. You can lock in a fixed rate for five years and grow your savings. Take note that CDs have early withdrawal penalties and do not permit deposits after an account is open.
A 5-year CD is a type of savings account with a fixed interest rate. With a 5-year CD, you’ll deposit your money for 60 months. Once your term ends, you’ll have the option to renew the CD or close the account and withdraw your money.
A 5-year CD works by maintaining the same interest rate for the entire term. For example, if you open a 5-year CD at a 4.50% APY, you’ll earn 4.50% for the entire five years. If you renew your CD after it matures, you’ll earn the new rate available in five years.
If your priority is earning a high interest rate, 3-year CDs and 5-year CDs generally offer higher rates than 1-year CDs. However, with a 3-year or 5-year CD, you could ultimately miss out on higher rates in the long run. Many experts recommend CD laddering. With this strategy, you open multiple CDs with different term lengths. That way you can take advantage of higher rates with longer terms, but also access some of your money earlier.
MYSB Direct CDs pay a competitive interest rate and have a low minimum opening deposit.
M.Y. Safra Bank is a New York-based financial institution that serves customers nationwide and its online-only division is MYSB Direct.
The bank compounds interest monthly, not daily. Depending on how much money you plan to keep in a CD, this may or may not make a significant difference.
APY for 5-year CD: 4.90% APY
5-year CD early withdrawal penalty: 90 days of interest
The US Senate Federal Credit Union 5-Year Smart Share Certificate pays a high CD rate. This credit union also offers great rates for 2-year and 3-year terms.
US Senate Federal Credit Union also has appealing jumbo CDs ($100,000 minimum opening deposit) and plus jumbo CDs ($200,000 minimum opening deposit) with even higher rates.
To join US Senate Federal Credit Union, you must work for a Select Employee Group, have a family member who is a current member, become a member of the U.S. Capital Historical Society or the American Consumer Council (you can join these organizations from anywhere in the US).
APY for 5-year CD: 4.86% APY
5-year CD early withdrawal penalty: 360 days of interest
First National Bank of America CDs are available online from anywhere in the US, and come in a variety of terms.
You also might like First National Bank of America if you live in Lansing, Grand Rapids, or Traverse City, Michigan. It has branches in these cities.
First National Bank of America has steep early withdrawal penalties for most terms. You might prefer one of the other options on our list if you are worried about CD early withdrawal penalties.
APY for 5-year CD: 4.75% APY
5-year CD early withdrawal penalty: 540 days of interest
A Bread Savings High-Yield CD might be an appealing option if you’re looking for a high interest rate. The bank has strong 1-year, 2-year, 3-year and 5-year terms.
Keep in mind, Bread Savings only has a high-yield savings account and CDs, though.
Bread Savings CDs require at least $1,500 to open an account. Other financial institutions on our list may have lower minimum opening requirements.
APY for 5-year CD: 4.75%
5-year CD early withdrawal penalty: 365 days of interest
You may like a Crescent Bank CD if you’re searching for a 5-year term. The online bank also has one of the best 3-year CD rates.
To open the Crescent Bank CD, you’ll need to deposit at least $1,000 in new money. New money means funds that haven’t already been deposited into a Crescent Bank account.
Crescent Bank CDs will automatically renew at the end of each term unless you call customer service to cash out your CD.
APY for 5-year CD: 4.60% APY
5-year CD early withdrawal penalty: 180 days interest
Quorum Federal Credit Union Term Savings Accounts (which are similar to CDs) have a great interest rate for a 5-year term. You’ll also get an additional 0.10% APY if you deposit $100,000 or more.
You must become a member of Quorum Federal Credit Union to open a CD. The easiest way to join regardless of where you live in the US is to join the American Consumer Council or Select Savers Club. You also may be eligible for membership if you work for a Select Employer Group on this list.
APY for a 5-year CD: 4.50% (on balances of $1,000 – $99,999) to 4.60% (on balances of $100,000 or more) APY
5-year CD early withdrawal penalty: 3% of the amount withdrawn
First Internet Bank of Indiana CDs may be appealing if you’re searching for a variety of term lengths. The bank is also featured in our best money market accounts guide.
First Internet Bank of Indiana compounds your interest monthly, not daily. Depending on how much money is in your CD, this may or may not make a significant difference. You can also find a bank that charges less for an early withdrawal from a 5-year CD.
APY for 5-year CD: 4.59% APY
5-year CD early withdrawal penalty: 360 days of interest
Barclays CDs could be a good choice if you want to get a 5-year CD with a lower amount, because there’s no minimum opening deposit. Typically, you need at least $1,000 to open a CD at most banks.
Barclays doesn’t have a checking account. If you want to do all your banking at one financial institution, you may want to choose a different bank that has both savings and checking.
APY for 5-year CD: 4.50% APY
5-year CD early withdrawal penalty: 180 days of interest
The BMO Alto High Yield CD may be a good choice if you’d like to open an online CD with a $0 minimum opening deposit. BMO Alto is an online-only division of BMO Financial Group, and its accounts are available nationwide.
BMO Alto doesn’t have a mobile app. Also, you can’t go to a BMO Bank location to get customer support. That said, customer service for BMO Alto is available 24/7 by phone.
APY for 5-year CD: 4.50% APY
5-year CD early withdrawal penalty: 180 days of interest
Other 5-Year CDs We Considered
We looked at the following 5-year CDs as well. However, our top picks may have higher interest rates, lower minimum opening deposits, and lower early withdrawal penalties, which make them more compelling options.
Latino Community Credit Union Share Certificate: Latino Community Credit Union has high CD rates on short-term share certificates, but its long-term rates aren’t as competitive as our top picks.
Department of Commerce Federal Credit Union 5 Year Share CD: Department of Commerce Federal Credit Union has a 5-year CD with a good interest rate. However, our top picks offer more competitive CD rates for a 5-year term, or let you open a CD with $0 upfront.
Edward Jones CD: Edward Jones has brokered CDs with interest rates much higher than the national average. However, you must have a brokerage account or bank account to open a CD. We also didn’t include it on our list because brokered CDs work differently than traditional CDs — for example, you’ll have to sell on a secondary market if you no longer want the CD for the full term.
Delta Community Credit Union CD: Delta Community Credit Union has a 5-year CD paying 4.00% APY, which is just short of the rates on our list.
Alliant Certificate: Alliant Credit Union’s 5-year CD pays 4.35% APY, but our top picks have even more competitive 5-year terms.
CFG Bank CD: CFG pays solid interest rates on CDs, but you’ll earn higher rates with our top picks.
Quontic CD: Quontic Bank’s 5-year certificate pays a lower interest rate than our top picks.
Synchrony Bank CD: Synchrony CDs have a low minimum opening deposit, but other financial institutions offer high rates on long-term CDs.
Discover CD: Other financial institutions offer more competitive interest rates on 5-year CDs or lower minimum opening deposit requirements.
Ally High Yield CD: Ally CDs have low minimum opening deposits, but our top picks all pay higher interest rates.
Marcus High-Yield CD: Marcus has low minimum opening deposits on accounts, but our top picks pay higher interest rates right now.
PenFed Credit Union Money Market Certificate: Pentagon Federal Credit Union has high interest rates for its 1-year and 18-month CDs. However, you’ll find a more competitive interest rate at one of the financial institutions we’ve featured as a top pick.
TAB CD: TAB Bank has a solid interest rate, but our top picks offer even higher rates.
Bank Trustworthiness and BBB Ratings
We’ve compared each company’s Better Business Bureau score. The BBB grades businesses based on factors like responses to customer complaints, honesty in advertising, and transparency about business practices. Here is each company’s score:
MYSB Direct currently has an NR (No Rating) grade because the BBB doesn’t have enough information to provide a rating.
Bread Savings currently has a B+ rating because it has failed to resolve an underlying cause for a pattern of complaints.
US Senate Federal Credit Union also has an A- rating because it hasn’t responded to one customer complaint.
A good BBB rating doesn’t necessarily mean that your relationship with the bank will be perfect. Talk to current customers or read online customer reviews to get a more well-rounded perspective about whether the bank may be ideal for you.
BMO has been involved in one recent public controversy. In 2022, a Minnesota jury ordered the bank to pay $564 million in damages in a lawsuit involving a Ponzi scheme operated by a Minnesota businessman. That said, the Ponzi scheme was uncovered in 2008 at M&I Bank, and BMO bought M&I Bank in 2011.
Bread Savings has also been involved in a recent public controversy. According to a note on the BBB website about Comenity Capital Bank (Bread Savings’ partner bank), there has been a pattern of complaints and reviews received by the BBB between October 15, 2022, and November 14, 2022. The complaints claim that customers have experienced billing inaccuracies, customer service deficiencies, and inaccurate reporting to credit bureaus. Comenity agreed to meet with the BBB on March 2, 2023.
As of April 23, 2023, Comenity stated it is taking the following steps: 1) investigating complaints, disputes, and fraud concerns; 2) adding staff and more training for customer service agents; and 3) reporting accurate and timely information to credit bureaus. The BBB will provide updates as needed.
Why You Should Trust Us: Expert Advice on Choosing the Best 5-Year CD
To learn more about what makes a good CD and how to choose the best fit, Insider consulted four experts:
Insider
Here’s what they had to say about CDs.
How do you decide how long your CD term should be?
CDs come in different terms that range from months to years, and a 5-year CD is typically one of the longest terms available. When choosing the right term for you, start with how you’re going to use the money, and when. If you’re buying a house in five years and know you won’t need the money until then, a 5-year CD might work for your needs — however, if you’re buying that house in two years, you’ll need to choose a shorter term.
Once you know when you’ll need the money, you can take a look at available rates. Maybe you have some flexibility around when you’ll need the money, and find it worth leaving in the bank an extra six months or year to get a higher rate.
Should you put money in a high-yield savings account, money market account, or CD?
You’re allowed to have multiple types of accounts, and it’s OK to put money in different places for different purposes. Perhaps you want a high interest rate on money you can access at any time for an emergency, so you put that emergency fund in a high-yield savings account. Then, you want a savings account from which you can make regular withdrawals, so you use a money market account. Finally, you want to keep a nest egg out of sight and out of mind while earning a strong interest rate, so you use a CD.
Choosing which type of account to use comes down to how you plan to use that money, and when.
Our Methodology
First, we researched to find over 20 banks and credit unions that offered 5-year CDs. Then, we reviewed each institution to find the most-well rounded banking options. For each account, we compared the minimum opening deposits, early withdrawal penalties, and interest rates. We also considered the overall banking experience at each bank by assessing customer support availability, mobile app ratings, and ethics.
Evelyn He is a compliance associate at Insider who supports the Personal Finance Insider team. Personal Finance Insider is Insider’s personal finance section that incorporates affiliate and commerce partnerships into the news, insights, and advice about money that Insider readers already know and love. The compliance team’s mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Before joining Insider, she served in various legal and compliance roles in different industries, including the legal and pharmaceutical industries. Evelyn obtained her M.S. degree in Marketing at Boston University in 2022. Prior to combining and consolidating her knowledge of law and business, she spent one year finishing 1L courses at Suffolk University Law School to further her legal knowledge. She has also completed MBA business law courses while working on her Bachelor of Business Administration in Management at the University of Massachusetts, Amherst. Outside of work, she enjoys spending time with her 14-year-old Shih Tzu named Money, and her 5-year-old Bichon named Tibber.
Earn up to a $250 bonus with qualifying direct deposits for eligible customers through 12/31/2023. Earn up to 4.60% APY on savings balances (including Vaults) with direct deposit
Are you looking for a luxurious facial treatment that you can do between your visits to the spa? Facial steaming is a simple way to pamper your skin in the comfort of your own bathroom. Read on to find out what products you’ll need to do it safely and effectively with minimal cost or equipment to achieve maximum skin glow.
What Is Facial Steaming?
While some concepts in the skin care world are complex, facial steaming is quite simple. This classic treatment allows steam from hot water to make contact with the skin and provide certain benefits, including cleansing, releasing trapped sebum, hydrating, promoting circulation and helping the skin absorb skin care products more deeply. If you’ve ever placed a warm, moist towel on your face, spent time in a steam room at the gym or taken a long, hot shower, you know what we’re talking about. Bonus: it’s a skin care ritual that can easily be performed at home.
The first purpose-built facial steamers date back to the early 1900s, but the use of steam itself as a method of relaxing and cleansing the body can be traced back to the Ancient Greeks and Romans. These days, there are a lot of facial steamers on the market, but you can also DIY at home with a big bowl or sink of warm water and a towel.
Benefits Of Facial Steaming
As mentioned, there are a number of ways that steam applied to the skin on your face can benefit the health and condition of your complexion. It can also help with other issues, including sinus congestion and stress. We’ll explain some of the benefits here:
Cleanses
Steaming is an excellent option for removing buildup, especially if a deeper cleanse is needed. It lifts dirt and impurities from the skin, purges excess sebum and loosens unwanted substances like pollutants, leaving your skin thoroughly cleansed and refreshed for a glowing complexion.
Helps Release Acne-Causing Bacteria And Cells
Acne happens when your skin cells trap sebum in your follicles, which can lead to the growth of bacteria and inflammation. Using steam to loosen up dirt and oils can help free the sebum and stop pimples from forming. “There is a misconception that steaming the face opens pores and unclogs them,” board-certified dermatologist Dr. Caroline Robinson tells SELF Magazine. She continues, explaining that our pores are “fixed structures that do not open or close in response to changes in temperature.” In other words, warm steam doesn’t open pores and cool water doesn’t close them. But what steam does do is soften the very top layer of dead skin, making it more permeable, loosening up any oils, dirt or acne-causing bacteria hanging out on the skin surface so it can be removed.
Promotes Circulation
Heat from steaming — and the perspiration it causes — can encourage blood flow by dilating your blood vessels, which sends more oxygen to the skin. Proper circulation is not only ideal for your overall health, it has specific benefits to the skin, including the prevention of dryness. Additionally, steam promotes blood circulation and causes the skin to flush temporarily — making it look glowy, healthy and plump.
Hydrates
Hydration helps your skin retain its strength and elasticity. Regardless of skin type, you’ve probably dealt with uncomfortable bouts of dehydration. Not to be mistaken with moisturizing — which you can do with facial oils and creams — hydration comes from water, which is why facial steaming is a great way to give your skin a shot of H20.
Helps With Absorption Of Skin Care Products
Steam increases the permeability of the skin, allowing it to better absorb topicals. Try steaming before you introduce products like toner, serums and moisturizers to your skin. Steam has the ability to increase skin care product penetration to give you more bang for your skin care buck.
Helps Relieve Stress
Carving out a few minutes for self-care can do wonders for your stress levels, and using those minutes to steam your face can relax your mind and body, while also enhancing the skin. While you’re at it, add some soothing herbs like mint or rosemary, or essential oils like lavender for an extra boost.
Helps Relieve Sinus Congestion
A steam bath may conjure up memories of mom placing your head under a towel to help clear your cold symptoms — and, as usual, mom knew what she was doing! Steam lightly inhaled through the nose and mouth can help relieve sinus congestion and headaches in a gentle and soothing way.
Step By Step Facial Steam
There are a few ways you can enjoy this versatile skin practice at home. It can be simple and free or as luxe as you choose. A quick search will bring up a huge selection of electric facial steamers, but if you like a DIY approach, the process can be done with nothing but hot water and towels. Here are some general guidelines to help you create this eco-friendly and relaxing skin care ritual in your own bathroom.
Step 1
Start by cleansing your face. You want all oil, dirt and makeup gone to prevent them from seeping deeper into your skin as you steam. A gel or foaming cleanser is a good idea to help get rid of the oil and dirt. Some good options for all skin types include the Stone Crop Gel Wash or the Kombucha Microbiome Foaming Cleanser.
Step 2
Heat water and carefully pour into a large, heat-safe ceramic or glass bowl or into the bathroom sink (with the stopper in place). Plastic bowls are not recommended. Tap water is a great, accessible option, but if you want to get fancy, try distilled or filtered water.
Step 3 (Optional)
For a fragrant experience, essential oils or herbs can be added to the warm water. However, before doing so, we recommend consulting with a skin care professional on correct usage and determining what works for your skin. Essential oils can irritate the skin and need to be properly diluted before use. If used correctly, tea tree oil contains cleansing, anti-inflammatory and healing properties and is known to assist in regulating sebum production. Lavender oil is known to lessen redness and irritation caused by dry skin and eczema. Pro tip: If you don’t have herbs or oils available, adding a couple of tea bags can help achieve the same results. Organic chamomile and peppermint are calming to the skin, while green tea has polyphenols that can fight against infection and bacteria.
Step 4
Place a towel over your head so that it is trapping all the steam inside and position your face about 10 inches above the bowl. Don’t get too close to the steam — the ritual should be pleasant, not painful. Stay in the position for 8 –10 minutes for best results.
Following your steam and mask, you’ve already treated your skin to exactly what it needs; but there’s still more you can do to get the most out of the process. If you’re hitting the sheets, choose an Eminence Organic Skin Careserum that best suits your needs. If you’re steaming earlier in the day while the sun is still out (even if it’s cloudy), apply a moisturizing SPF like Lilikoi Daily Defense Moisturizer SPF 40 or Radiant Protection SPF Fluid to get the added benefits of bakuchiol and niacinamide.
Does Facial Steaming Work For Everyone?
While this relaxing ritual has many benefits, certain skin conditions don’t mesh well with hot steam. Dr. Robinson says: “Heat and steam are known triggers for many dermatologic conditions, such as rosacea, melasma and eczema.” Since heat can provoke inflammation, anyone who’s prone to skin conditions that involve inflammation should stay away from at-home steaming practices.
Facial Steaming Safety Guide
Water can cause a burn in 5 seconds or less at 140 degrees Fahrenheit, according to the American Burn Association — that’s about 70 degrees below water’s boiling point of 212 degrees Fahrenheit. That means you’ll have to be extra careful if you’re steaming your face at home. Make sure to have everything you need within arm’s reach and perform the ritual without distractions. Consider starting with your face further than the recommended 10 inches and then lowering it as your get more comfortable. Spend those 8 –10 minutes deep breathing or meditating for an extra boost of relaxation. Before starting new skin care techniques, we recommend consulting a skin care professional for safety tips and determining what works best for your skin.
Don’t forget to follow up your at-home skin care rituals with regular trips to the spa for professional care. Visit your nearest Eminence Organics Spa Partner to find out more.
What is Noise Cancellation on a Professional Office Headset? Many people looking for a professional office telephone headset are looking to block out noises from their office environment. Noises such as phones ringing, people talking or laughing, printers and fax machines can all make having a professional conversation over the phone very challenging.
Most people equate “noise cancellation” with popular headphones designed to block out external noise like plane engines, allowing you to listen to your music or movie more clearly and at a comfortably sound volume level. This is called “active noise cancellation”. The headphone system produces an opposite or negative sound wave to cancel the incoming noise. In mathematics, it is very similar to adding a negative number to the positive number to get a zero {10 + (-10) = 0}. It is not perfect, but it will greatly reduce the amount of outside noise that you hear, allowing you to listen at a more comfortable volume level.
Noise cancellation in a professional office headset is very different. It is designed to prevent the person on the other end of the phone, from hearing the noise and commotion occurring in your office. The noise cancellation is on the microphone, not on the speakers of the headset. Generally, a noise cancellation headset has two or more microphones built into the microphone boom. One is designed for your voice and the additional microphone(s) are used to evaluate and reduce external noises.
What can I do to hear better while on the phone with a headset? Get a binaural (two ear) headset, with large ear pieces. The Plantronics HW720 headset is the best option on the market right now.
It covers both ears to provide a more natural listening experience.
It also has the largest a professional office headset ear pieces on the market, to cover more of your ears, enabling you to hear better.
The ear cushions are made of synthetic leather to provide a cool comfortable fit.
Plantronics has dozens of options to make this headset work with just about any office telephone.
What is Active Noise Canceling (ANC)?
Active noise canceling is a feature that is built in stereo headsets covering both ears and once the user turn it on what happens is that the headset will be blocking most of the noises in the surround environment so the user can focus on the call and avoid distractions. This feature can be found in wireless and some corded headsets from Poly , Jabra or EPOS.
Depending the main use there are going to be different models. If need a wireless headset with Active Noise Canceling for your desk phone I would recommend the Savi 8220 from Poly. This headset allows you to use it with a desk phone, but you can use it with your computer as well and a Bluetooth enable device because the base has this connection built in, so you need to leave your smart phone next to the base in order to get the best performance for your cell phone. The Savi 8220 is a Telecoil Hearing aid compatible as well, making it a nice wireless headset for people with hearing aid and in the need to block most of the unwanted noises in their environment such as lousy fans when at work in the office.
If in the need of a wireless headset with Active Noise Canceling to be used with your computer and smart phone only, I would recommend the Jabra Evolve2 75 UC with stand. This offer from Jabra has fully adjustable Jabra Advanced Active Noise Cancellation (ANC) with different levels of graduation, plus the well known HearThrough technology that allows the user to hear thru the headset so the user can have a conversation face to face with someone without having to take off the headset. This unit has 2 working modes for your cell phone, with the boom arm hidden is considered Discreet Mode sot he headset works as a boom less microphone headset for people wanting to make calls but not wanting to have anything in front of their face and with the boom arm out is considered Performance Mode which meets Microsoft Open Office requirements for any UC platform.
What is Acoustic Fence technology?
Poly took this technology from the Polycom desk phones and now applied into their headsets, this technology means that there are going to be some microphones facing the user and another facing the outside. With this outside microphone the headset will beblocking all the outdoor noises such as leaf blowers or loud blenders. Mi recommendation for a wireless headset for the computer and the cell phone will be the Voyager 4310, designed to meet all the requirements for all mayor UC platforms, designed for remote workers without sacrificing performance or breaking the bank. The Voyager 4310 offers a nice comfortable design covering one ear so the user can be aware of the surroundings. Voice over USB feature is built in, which means that the headset can be used as a corded headset with the computer with the included cable if you can’t find the BT700 dongle and even that the microphone has a better performance.
What is Dual Ear Circumnaural wearing style and when is required?
This kind of wearing style is the most commonly found at airports on the ground staff. The earcup is a s big to cover all the ear, this is a corded style headset with no high tech electronics and the same design of the headset will block those loud sounds of airplane engines. The recommended headset here will be the Plantronics SHR 2083-01. This is considered a heavy duty ruggedized headset and is highly recommended for a corded headset where is really loud and to be used with Plantronics amplifiers or specialized adapters.
For more information, contact Sales & Product Specialist Craig at: 1-877-999-3838
The simple answer is yes! Many dogs enjoy green beans as treats, snacks or meal toppers. In addition, green beans are affordable and low calorie. At 31 calories per cup, they are an ideal treat for pups on a diet.
Nutritional components of green beans include:
Fiber
Healthy carbohydrate
Antioxidants
Vitamin C
Vitamin K
Vitamin A
Calcium
Potassium
Vitamin B6
Essential fatty acids
How to feed green beans to your dog
There are a few guidelines to follow when feeding your dog green beans.
Serve your dog plain green beans. Never cook green beans for your dog with additional ingredients, such as salt, butter, fats or sugar. Avoid canned green beans as well, since they often contain high salt content.
The best ways to offer your dog green beans include:
Cooked (boiled or steamed with no added salt)
Dehydrated
Fresh/uncooked
Frozen
Always plain with no added ingredients
How many green beans can my dog eat?
Start by introducing small portions to your dog at a time and monitor how her GI tract responds.
Small dogs (>20lbs): 1-to-2 green beans daily
Medium dogs (20lbs-50lbs): 2-to-3 green beans daily
Large dogs: (<50lbs): 3-to-4 green beans daily
Remember: These tasty treats are not a substitute for a balanced diet and should not exceed more than 10% of your pup’s daily dietary intake.
If you have any worries with how your pup may respond to green beans or if she has a sensitive stomach, consult with your veterinarian before adding this tasty treat into their diet. Bone-appetit!
The cheapest AirPods right now are the basic 2nd generation pair. They lack some of the newest features like IPX4 water resistance, but you still get reliable connectivity and good sound, and increasingly, you can add affordability to that list with prices as low as $89.99. If you want AirPods for cheap, value-wise, this is as good as you’ll get. You’ll also find the AirPods Max down to $479 at Amazon. Read on for all the best AirPods deals.
The AirPods Pro offer fantastic sound quality and powerful noise-cancellation features. This version, which includes a new USB-C case, is 20% off (just $10 more than the all-time low).
Compared to the previous model, Apple’s third-generation AirPods offer longer battery life, water resistance, and support for spatial audio. The pair that ships with a Lightning charging case are $20 off right now.
The AirPods (2nd generation) aren’t the newest AirPods around, but they still offer great sound quality and extra features for iPhone owners. They’re down to $99 right now, which is not far off from the lowest price we’ve seen.
As the third generation of AirPods, these headphones boast spatial audio and longer battery life. This model includes a MagSafe-compatible charging case for the added convenience of wireless charging. This SKU is rare to find outside Apple’s stores, but B&H has it, and it’s $10 off.
The AirPods Max give up the compact portability of the AirPods Pro to deliver the best of Apple’s audio quality and noise-canceling performance. At full price, the AirPods Max are more expensive than competing over-ear headphones. This $70 discount isn’t the best we’ve seen, but it’s better than you’ll find elsewhere.
Do AirPods get cheaper on Black Friday?
For many products, retailers usually wait until Black Friday to offer the best AirPods prices you’ll see all year. Last year, the 2nd-generation AirPods and AirPods Pro fell to $100 and $199, respectively. We then saw those dip another $10 during Amazon Prime Day to $90 and $189 this year. Some of the all-time low prices established earlier in 2023 have stuck around or fluctuated only about $10.
We wouldn’t expect AirPods prices to fall dramatically further this year, if at all. At best, you might be able to save an extra $10 to $20 on AirPods earbuds during Black Friday and up to $50 on the AirPods Max.
Shop around for even better AirPods deals
AirPods prices fluctuate frequently throughout the year, so you can always wait a few weeks to see if the pair you want gets back down to a more reasonable price for your wallet. The discounts aren’t often sharp, but with the holiday shopping season, we could see new all-time lows. If you need a pair today and the offers above don’t agree with your wallet, you can always shop around at the retailers listed ahead for open-box and refurbished models.
AirPods vs AirPods Pro: what’s the difference?
Comparing AirPods (3rd generation) and AirPods Pro (2nd generation), you’ll find some key differences that cater to different needs and preferences. Sound quality is one of the significant distinctions.
The latest AirPods Pro offer active noise cancellation and spatial audio with dynamic head tracking, which allows for a more immersive listening experience. If you’re using the AirPods Pro with Dolby Atmos content, they’ll simulate positional sound more accurately than standard stereo headphones and earbuds. In contrast, baseline AirPods offer standard sound quality without these advanced features.
When it comes to fit and comfort, AirPods Pro have an edge with customizable silicone ear tips, providing a secure and comfortable fit, whereas AirPods follow a one-size-fits-all design. Battery life between them is similar, offering up to 6 hours of listening time on a single charge and 30 hours total when factoring in the charging case.
If you enjoy workouts, you’ll be glad to hear that the latest AirPods and AirPods Pro are rated IPX4 for water and sweat resistance. The previous AirPods (2nd generation) don’t offer such repellent qualities.
Should you buy the USB-C AirPods Pro?
Apple released a new version of the AirPods Pro (2nd generation) in September 2023 with a charging case with a USB-C port instead of a Lightning connector. An EU ruling that mandates universal charging standards has necessitated this change. Even the iPhone is moving over to USB-C as of the iPhone 15 series.
Otherwise, there aren’t any meaningful changes compared to the original 2nd generation AirPods Pro. They both use the same drivers, chipset, and software, so unless you loathe Lightning or like the idea of having USB-C on all your devices, there’s no real reason to upgrade.
Rachel Brix is Fear Free Certified and both a certified trainer and behavior consultant through the Certification Council of Professional Dog Trainers who focuses on enrichment-based behavior modification. Her free time is devoted to her two rescues, Emerson and Apache.
